A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Fair Credit Reporting Act; Preemption of State Laws".

This joint resolution seeks to formally disapprove a federal rule issued by the Bureau of Consumer Financial Protection that would have limited the ability of states to enforce their own credit reporting laws. If enacted, the resolution would nullify the rule, allowing states to maintain their existing regulations on how consumer credit information is collected and used. The measure directly affects state governments, financial institutions, and consumers by preserving state-level authority over credit reporting practices. It uses the Congressional Review Act process to overturn the specific regulation without creating new policy changes.